This is called Golden Handcuffs. All the nice stuff that you get used to, but it ties you down to the job in the end and keeps you from leaving when you otherwise would.
Exactly ! My last boss pulled this and it didn't work. Now he's having a hard time filling the position I had. See, I started working at this company and upon being hired, he promised an attractive raise in a month providing I can fulfill the job. I won't go into the job type itself, but it's something that it's rare for a person to know how to perform. So they hire me at 11.00 an hour promising at least 15.00 an hour in a month. The first month goes by and the owner comes to me saying, when you pick up your check today, make sure it's correct. So I'm expecting 15 an hour multiplied by 50 hours minus tax. Right ? I'm looking at my check in my car and it was still 11 an hour. I'm like wtf.... well, it was the end of the day, the management was gone for the day. The next day I show the check to the owner and told him that you told me to look at the check to make sure it was correct. He looked at it and asked what was the original verbal agreement ? I said 15.00 an hour after a month. That's what you said ! He fixed the check, but only gave me 12.00 an hour. Since it was verbal, I didn't argue. Hell, I'm lucky to have a job. Well, time went on and a year later I received zero raises. Didn't say anything. Second year goes by, no raise. So I'm In my lab he comes in and asked how things are going, how's the equipment, yaddy, yaddy, yaddy..... I asked if I can talk with him in his office. He said ok, is there a problem ? We spoke in his office about the verbal agreement, it's been two years without a raise etc. What's going on ? He says were slow in sales right now and I just need you to hold out a while longer. You do great work, zero issues etc... so, I went back to my lab. Sat there thinking, Wtf am I doing here dealing with an owner that's just stringing me along. So, he pops up again and tosses down a pile of orders for me to build, test and ship and then walks out. I look at the clock and it's about time for lunch. so I start heading out the building toward my car thinking, I just got paid today. I'm in a drive through waiting and thinking, if I just quit, he'll hang for those orders that he can't assemble himself ! I got my food and drove home ! FUCK him.... now they have a position open for my job that not 1 in 100,000 people could do, especially for the shit pay....
Wow, you must be psychic or something. Today I literally turned down a job because of exactly what you stated in this video. I knew that my skill-set was exactly what was wanted but also knew that there was a cap on my growth and success because it was only what the company sets and they wanted me dependent on them. For me, that was not what I wanted or be fulfilled at. Thank you so much for this video, I really appreciate you and your honesty! :)
This is so true. At a job I had a little over a year ago I was making around $80,000 doing sales. I earned about $10,000-20,000 more than most of my coworkers yet my coworkers were buying ridiculously expensive cars and spending all their money at the clubs. I had old shoes and brought my lunch everyday even though I earned more. At the same time I was earning money from a business I still have that I would work on in the early mornings and at night. That business made me several times more than the money I earned from my job but I kept my job because I had nothing to do during the day and who would scoff at more money? Well I was foolish enough to mention my business to a coworker who predictably informed my general manager. I got called in and asked straight by him how much money I earned outside of my job. He seemed angry. He was frustrated that I didn't need the job to pay bills but rather wanted it to earn extra money I wouldn't spend. In the end I was let go about a month later for a made up reason. It showed me how much bosses want their employees to feel financial pressure to perform higher. In my case I was the highest performer on the team but there must have been some jealousy that I was making multiples of my bosses salary.
My parents or people around me didn't discuss about money when I was younger I HAV to self educated myself until later on with my life ..but now I'm seein the light ....
So true! My boss asked me last year if I would like to be on an oncall team at night. - he seemed so surprised when I said no HaHa Telling me you know you get paid extra. Its sad the way society works, all about money, money. Got used to living below means, gives such peace of mind.
i drive a 20 year old work van and buy clothes at walmart. i have a few investment properties that have cash flow. anyone can look like a big shot with tons of debt. its all about building a net worth.
I agree with you. I have been working at a bank for more than 2 years, and most of my coworker always buying new cars, it cost them thousand to fix it. me on the other hand I stay with my honda
I don' t know how it happens but 9 times out of 10 your lessons speak to my immediate situation or where I am at that exact moment. My job's rope around my neck is only getting tighter. My rental property's not doing that well either plus I might have to move into it... A lot to fix. But these videos are setting me in the right direction. Thanks.
I love this video. He's not really pushing his services or anything (not that he does that anyway), he's just trying to help make sure people are successful in their lives.
Phil I am currently in college and I have already taken your advice to heart. I am building businesses and I know that in the end if you work for someone they will pay you the least amount possible while encouraging you to spend the most possible. It's called modern slavery without shackles but bad dept. keep up the good work!
Funny thing is if you control your expenses, I mean micro manage them you can live like, smell like, & dress like the big Millionaires CEO's and have more free time then them. ( Pay attention where you buy your clothes, avoid name brands, you want a luxury car, get a good 10yr old used one and buy it outright etc: I am a passive real estate investor and have 100% free time!!! Phil I'd love to tell you my story...
I’m a small business owner running different businesses. All you said is true. I always feel I need my employees more than They need me. It is what it is.
Pearls of wisdom, this should be the required watching for every new college student. "Things that you own end up owning you " "we buy things which we do not need, with money which we don't have to impress people we do not like " I forget who said these but they are relevant to this video
On point!! THANKS FOR THE CONFIRMATION. My new employer literally had the NERVE to ask how much I pay in rent [expensive city & neighborhood but I got a practically unheard of deal]. ** I contemplated almost upping the price to the median cost to let her know I expect to be able to afford that rent ...but then decided just to let her know what I actually pay. Her jaw dropped...& think in the long run she won't be able to use "having to cover rent" as leverage over me [** most folks pay up to 2/3 of their salary just on rent here].
I love my boss but he totally does that. He wants me to buy a house in December and has showed me plenty of nicer cars and motorcycles on craigslist and has mentioned this before. He's not as discreet as many bosses. :) Great content. Luckily for me, I'm debt free and have 6 months of savings in the bank. Years of savings if only I didn't work.
I absolutely agree with you, yes of course your boss wants you to live above your means, because you will become his/her workaholic, and you will be easy to manipulate. In fact they will encourage you to reward yourself with new cars and vacations, after all you worked for it so why not enjoy becoming a debt slave. IMO, this falls within the ambit of a sleep walker who conforms to the norm by following the follower, running on a treadmill that never stops. Simply put, an act becomes a habit when it no longer requires thought. This is not only irresponsible, but this mindset inhibits one's ability to think critically. I am not a slave to conditions and I love my freedom of independence. People laugh at me because I'm different and I laugh at them because they're all the same. Thoughts are things. Money is an idea, why not think critically and grow financially responsible.
People rent jobs....something they don't own, control or influence. Employees are kept busy commuting and working overtime, too. Then too tired at the end of each day to work on their own business. Gave all their time and energy and attention away.
That was pretty funny @ 3:05.. I was actually having a pretty bad day and that made me lol! I just started watching your videos and what I like most is you are passionate about what you preach. This topic is very true, I find myself trying to keep up with co-workers in reference to dressing etc. I've always been the type of person to buy off Clearance racks and I've still haven't taken a decent vacation. I live paycheck to paycheck-reason why I'm trying to learn something new that can bring in addition income. Bottom line is I love your videos and thank you for sharing.
thank you I really appreciate you keep up the good work I see you as my mentor I look at your videos almost everyday have a blessed day keep up the good work
Excellent video and filled with a wealth of knowledge (as usual) in a short period of time. I highly recommend this TH-cam channel to anyone who is looking for information or a mentor to help them build wealth.
I'm in the construction management industry, and I see it all around me. Coworkers, architects, engineers, laborers, admin, etc, everyone has a propped up lifestyle, and a missed paycheck could wipe them out. I just saw a fellow coworker get fired, for not working enough (ie: only 50-60 hrs/week), and I know he's devastated, bc he has a mortgage to pay. From a young age, I knew that lifestyle inflation, and debt were the enemy, but its because I crave freedom. I still eat frozen meals for lunch everyday, and all my coworkers laugh at me. But little do they know, I save about 70 - 80% of my income, and have been investing it constantly. Its not the easy road, but delayed gratification pays off in the long run.
I'm gonna start calling you coach Phil!! Thank you for sharing tour wisdom. Graduating in 2 years, thinking anout a nice house and bimmer....you wole me up. I need to take xare of Student loans first!
Well, student loans are typically a very low interest rate. You may want to go buy some assets or start a business or start investing and use the profits to pay off the student loans. If your student loans are 3%, you can easily earn more than 3% return on investment elsewhere. It's called arbitrage.
Thanks Phil! Very sounds advices! I'm glad I found you, I am not into real estate, but I bought your book, just to see what real estate world look like. Me and ex gf, bought a house from builder new, we shop and negotiated the price, not much negotiation room. We used a friend who is a real estate agent, come signed our papper, that was it and he earned $4000. That got me interested in real estate world :)
Yeah, the student loan thing took me a couple months after graduation to figure out, but not only is the interest rate low, the paid interest is tax deductible up to $2500 per year even if you don't itemize deductions. I'm glad I majored in accounting :)
I'm a big fan of Robert Kiyosaki (Rich Dad) and this video puts me in mind of 'the conspiracie of the rich', explains why financial education ain't in the 'ciriculum'. Uses a very apt "slavery" analogy, and how teaching them to read (fin. Literacy) was punishable by law... 2nd chance by him is a must read. Must
CHANGED my life.! :) Thanks phil, says alot about your character to post these videos publicly. #PhilP. For President-Make Real Estate great again.! Lol. Lbs ;) Keep it coming, please!
about 5 years ago i ask my millionaire boss how he make his fortune he told me "i work hard for it" then i ask what he think was good for me to invest told me real state but not flipping he suggested to become a landlord because im a handyman from plumbing,electrical,painting,land scape and much more he calls me the jack of all trades (i work at a farm) so i gollow his advice and 3 years later we came across some money we buy our second home worth 100k for 75k we give 20% down and got a fix 30 year mortgage $465 a month we rented our first home for $700 so i told him what i did and ask him for a loan to get a third home i explaing where the home i was interested where and my plan he give me 20k loan and i invested 7k on the remodel mortgage is $200+$50tax+100 insurance a month and the homes rent at $800 he told me it was a great deal and he will help me financially to get one or two more homes this bring me to this video not beeing my case but is for sure what most of the bosses will want
Phil, thanks for posting this video. I am in a situation where the company I work for is being acquired, and they are trying to get me to stay on after the merger...for the same salary (but they're going to "think about" giving me a raise later...ugh). I can't help but think "Why am I considering taking another J.O.B.?"...I guess what I am trying to understand is: How do I know when its time to work without the safety net of a J.O.B. given the lifestyle and expenses that are now there (that were outlined so well in your video)?
Where would be the best bank for a first time buyer to go to get a loan to start investing? Have enough for down payment, just wondering where you suggested I go. Thanks!
That was absolutely fucking the truth!! Pardon my French!! I see people in this trap at work all the time!! I am doing well financially and don't need many hours but so many others are trapped slaves, they are stuck and going no where paying insane amounts of $$ on their car loans and have terrible credit.
I live in Columbus oh, i want to buy a house outright in cash, I've been seeing houses go up in the last couple of years, should I buy a house now or wait it out.
Phil Pustejovsky I have a house with equity.... I can refinance cash out and take $300k or just a lower rate and pay down the mortgage. the $300k I can use to buy 2 more 3 family homes in NY. what do you suggest. my existing Morgan will increase to $5k per month.
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This is called Golden Handcuffs. All the nice stuff that you get used to, but it ties you down to the job in the end and keeps you from leaving when you otherwise would.
Exactly ! My last boss pulled this and it didn't work. Now he's having a hard time filling the position I had. See, I started working at this company and upon being hired, he promised an attractive raise in a month providing I can fulfill the job. I won't go into the job type itself, but it's something that it's rare for a person to know how to perform. So they hire me at 11.00 an hour promising at least 15.00 an hour in a month. The first month goes by and the owner comes to me saying, when you pick up your check today, make sure it's correct. So I'm expecting 15 an hour multiplied by 50 hours minus tax. Right ? I'm looking at my check in my car and it was still 11 an hour. I'm like wtf.... well, it was the end of the day, the management was gone for the day. The next day I show the check to the owner and told him that you told me to look at the check to make sure it was correct. He looked at it and asked what was the original verbal agreement ? I said 15.00 an hour after a month. That's what you said ! He fixed the check, but only gave me 12.00 an hour. Since it was verbal, I didn't argue. Hell, I'm lucky to have a job. Well, time went on and a year later I received zero raises. Didn't say anything. Second year goes by, no raise. So I'm In my lab he comes in and asked how things are going, how's the equipment, yaddy, yaddy, yaddy..... I asked if I can talk with him in his office. He said ok, is there a problem ? We spoke in his office about the verbal agreement, it's been two years without a raise etc. What's going on ? He says were slow in sales right now and I just need you to hold out a while longer. You do great work, zero issues etc... so, I went back to my lab. Sat there thinking, Wtf am I doing here dealing with an owner that's just stringing me along. So, he pops up again and tosses down a pile of orders for me to build, test and ship and then walks out. I look at the clock and it's about time for lunch. so I start heading out the building toward my car thinking, I just got paid today. I'm in a drive through waiting and thinking, if I just quit, he'll hang for those orders that he can't assemble himself ! I got my food and drove home ! FUCK him.... now they have a position open for my job that not 1 in 100,000 people could do, especially for the shit pay....
Wow, you must be psychic or something. Today I literally turned down a job because of exactly what you stated in this video. I knew that my skill-set was exactly what was wanted but also knew that there was a cap on my growth and success because it was only what the company sets and they wanted me dependent on them. For me, that was not what I wanted or be fulfilled at. Thank you so much for this video, I really appreciate you and your honesty! :)
This is so true. At a job I had a little over a year ago I was making around $80,000 doing sales. I earned about $10,000-20,000 more than most of my coworkers yet my coworkers were buying ridiculously expensive cars and spending all their money at the clubs. I had old shoes and brought my lunch everyday even though I earned more.
At the same time I was earning money from a business I still have that I would work on in the early mornings and at night. That business made me several times more than the money I earned from my job but I kept my job because I had nothing to do during the day and who would scoff at more money? Well I was foolish enough to mention my business to a coworker who predictably informed my general manager. I got called in and asked straight by him how much money I earned outside of my job. He seemed angry. He was frustrated that I didn't need the job to pay bills but rather wanted it to earn extra money I wouldn't spend. In the end I was let go about a month later for a made up reason. It showed me how much bosses want their employees to feel financial pressure to perform higher. In my case I was the highest performer on the team but there must have been some jealousy that I was making multiples of my bosses salary.
Briluvr What kind of sales jobs?
Wow. Just Smh. That sucks.
I learnt this lesson the hard way as well. NEVER tell your coworkers that your side hustle makes substantial income.
Before I watch this video, I'll answer the question: So you can stay a slave to them.... That's why I at least have 6 months rent in the bank.
My parents or people around me didn't discuss about money when I was younger
I HAV to self educated myself until later on with my life ..but now I'm seein the light ....
So true! My boss asked me last year if I would like to be on an oncall team at night. - he seemed so surprised when I said no HaHa Telling me you know you get paid extra. Its sad the way society works, all about money, money. Got used to living below means, gives such peace of mind.
i drive a 20 year old work van and buy clothes at walmart. i have a few investment properties that have cash flow. anyone can look like a big shot with tons of debt. its all about building a net worth.
I agree with you. I have been working at a bank for more than 2 years, and most of my coworker always buying new cars, it cost them thousand to fix it. me on the other hand I stay with my honda
Living below your means allows you more freedom and save more money on taxes
I don' t know how it happens but 9 times out of 10 your lessons speak to my immediate situation or where I am at that exact moment. My job's rope around my neck is only getting tighter. My rental property's not doing that well either plus I might have to move into it... A lot to fix. But these videos are setting me in the right direction. Thanks.
I love this video. He's not really pushing his services or anything (not that he does that anyway), he's just trying to help make sure people are successful in their lives.
One thing I love about your channel is you actually interact with your viewers and take the time to answer questions.
Phil I am currently in college and I have already taken your advice to heart. I am building businesses and I know that in the end if you work for someone they will pay you the least amount possible while encouraging you to spend the most possible. It's called modern slavery without shackles but bad dept. keep up the good work!
Funny thing is if you control your expenses, I mean micro manage them you can live like, smell like, & dress like the big Millionaires CEO's and have more free time then them. ( Pay attention where you buy your clothes, avoid name brands, you want a luxury car, get a good 10yr old used one and buy it outright etc: I am a passive real estate investor and have 100% free time!!! Phil I'd love to tell you my story...
+MRBADASS Exactly. Well spoken.
Id like to hear this story of yours my friend mrbadass
+Alexx lopez :)
Love watching this man TALK!!
the trap of the middle class
I’m a small business owner running different businesses. All you said is true. I always feel I need my employees more than They need me. It is what it is.
Pearls of wisdom, this should be the required watching for every new college student.
"Things that you own end up owning you "
"we buy things which we do not need, with money which we don't have to impress people we do not like "
I forget who said these but they are relevant to this video
Zulfiqar Hashim I believe this comes from the movie fight club.
100% agree most people are like crabs always trying to get a bigger better shell (home, car, stuff) and then they become slaves to a system.
Dennis Noone I live below my means and don't care about what the Jones's have
I love that third arm Phil added to the stick person, and then he says " I don't know what that is" haha
On point!! THANKS FOR THE CONFIRMATION. My new employer literally had the NERVE to ask how much I pay in rent [expensive city & neighborhood but I got a practically unheard of deal]. ** I contemplated almost upping the price to the median cost to let her know I expect to be able to afford that rent ...but then decided just to let her know what I actually pay. Her jaw dropped...& think in the long run she won't be able to use "having to cover rent" as leverage over me [** most folks pay up to 2/3 of their salary just on rent here].
I love my boss but he totally does that. He wants me to buy a house in December and has showed me plenty of nicer cars and motorcycles on craigslist and has mentioned this before. He's not as discreet as many bosses. :) Great content. Luckily for me, I'm debt free and have 6 months of savings in the bank. Years of savings if only I didn't work.
I absolutely agree with you, yes of course your boss wants you to live above your means, because you will become his/her workaholic, and you will be easy to manipulate. In fact they will encourage you to reward yourself with new cars and vacations, after all you worked for it so why not enjoy becoming a debt slave. IMO, this falls within the ambit of a sleep walker who conforms to the norm by following the follower, running on a treadmill that never stops. Simply put, an act becomes a habit when it no longer requires thought. This is not only irresponsible, but this mindset inhibits one's ability to think critically. I am not a slave to conditions and I love my freedom of independence. People laugh at me because I'm different and I laugh at them because they're all the same. Thoughts are things. Money is an idea, why not think critically and grow financially responsible.
Been there, done that, got the t-shirts Phil. Great lesson for everyone :)
People rent jobs....something they don't own, control or influence.
Employees are kept busy commuting and working overtime, too.
Then too tired at the end of each day to work on their own business.
Gave all their time and energy and attention away.
You have a lot of great content. Keep up the good work and thank you!
That was pretty funny @ 3:05.. I was actually having a pretty bad day and that made me lol! I just started watching your videos and what I like most is you are passionate about what you preach. This topic is very true, I find myself trying to keep up with co-workers in reference to dressing etc. I've always been the type of person to buy off Clearance racks and I've still haven't taken a decent vacation. I live paycheck to paycheck-reason why I'm trying to learn something new that can bring in addition income. Bottom line is I love your videos and thank you for sharing.
thank you I really appreciate you keep up the good work I see you as my mentor I look at your videos almost everyday have a blessed day keep up the good work
Excellent video and filled with a wealth of knowledge (as usual) in a short period of time. I highly recommend this TH-cam channel to anyone who is looking for information or a mentor to help them build wealth.
My pleasure!
Restakes .com My pleasure!
Thank you for the great advice. You are so kind for sharing that info.
I'm in the construction management industry, and I see it all around me. Coworkers, architects, engineers, laborers, admin, etc, everyone has a propped up lifestyle, and a missed paycheck could wipe them out.
I just saw a fellow coworker get fired, for not working enough (ie: only 50-60 hrs/week), and I know he's devastated, bc he has a mortgage to pay.
From a young age, I knew that lifestyle inflation, and debt were the enemy, but its because I crave freedom. I still eat frozen meals for lunch everyday, and all my coworkers laugh at me. But little do they know, I save about 70 - 80% of my income, and have been investing it constantly.
Its not the easy road, but delayed gratification pays off in the long run.
Smart. Living below your means and investing in the right investments will only help you in the long run financially.
I'm gonna start calling you coach Phil!! Thank you for sharing tour wisdom.
Graduating in 2 years, thinking anout a nice house and bimmer....you wole me up.
I need to take xare of Student loans first!
Well, student loans are typically a very low interest rate. You may want to go buy some assets or start a business or start investing and use the profits to pay off the student loans.
If your student loans are 3%, you can easily earn more than 3% return on investment elsewhere.
It's called arbitrage.
Thanks Phil! Very sounds advices!
I'm glad I found you, I am not into real estate, but I bought your book, just to see what real estate world look like.
Me and ex gf, bought a house from builder new, we shop and negotiated the price, not much negotiation room.
We used a friend who is a real estate agent, come signed our papper, that was it and he earned $4000. That got me interested in real estate world :)
Yeah, the student loan thing took me a couple months after graduation to figure out, but not only is the interest rate low, the paid interest is tax deductible up to $2500 per year even if you don't itemize deductions. I'm glad I majored in accounting :)
I'm a big fan of Robert Kiyosaki (Rich Dad) and this video puts me in mind of 'the conspiracie of the rich', explains why financial education ain't in the 'ciriculum'. Uses a very apt "slavery" analogy, and how teaching them to read (fin. Literacy) was punishable by law... 2nd chance by him is a must read. Must
Phil you are 1,000% Correct, I have had that situation
CHANGED my life.! :) Thanks phil, says alot about your character to post these videos publicly. #PhilP. For President-Make Real Estate great again.! Lol. Lbs ;) Keep it coming, please!
Makes a lot of sense. I wish I heard this years ago.
about 5 years ago i ask my millionaire boss how he make his fortune he told me "i work hard for it" then i ask what he think was good for me to invest told me real state but not flipping he suggested to become a landlord because im a handyman from plumbing,electrical,painting,land scape and much more he calls me the jack of all trades (i work at a farm) so i gollow his advice and 3 years later we came across some money we buy our second home worth 100k for 75k we give 20% down and got a fix 30 year mortgage $465 a month we rented our first home for $700 so i told him what i did and ask him for a loan to get a third home i explaing where the home i was interested where and my plan he give me 20k loan and i invested 7k on the remodel mortgage is $200+$50tax+100 insurance a month and the homes rent at $800 he told me it was a great deal and he will help me financially to get one or two more homes this bring me to this video not beeing my case but is for sure what most of the bosses will want
Almost no bosses on planet earth would ever do that.
+Phil Pustejovsky i know i have the best boss ever i think part of it because his kids dont want to work for their stuff they just want hand outs
Phil, thanks for posting this video. I am in a situation where the company I work for is being acquired, and they are trying to get me to stay on after the merger...for the same salary (but they're going to "think about" giving me a raise later...ugh). I can't help but think "Why am I considering taking another J.O.B.?"...I guess what I am trying to understand is: How do I know when its time to work without the safety net of a J.O.B. given the lifestyle and expenses that are now there (that were outlined so well in your video)?
+Tom Arena Watch this video: th-cam.com/video/byfhVh61pU8/w-d-xo.html
Amazing amazing video and content!! Subbed!
Phil! I love your art work!
Good advice but why so late I heard about it...
I love this video greatly appreciated
Hi how can we support this channel and keep it running
WATCH THIS ONE DAY AND CHANGE MY LIFE.
Thanks a lot from saving us from monorachs!
Where would be the best bank for a first time buyer to go to get a loan to start investing? Have enough for down payment, just wondering where you suggested I go. Thanks!
+Christopher Voight Don't go to a bank. Instead, watch this video: th-cam.com/video/T5YR1zN8Mqc/w-d-xo.html
Wisdom. shared with everyone I know.
3 people have leashed necks, kidding, great informative vid. Subbed.
Phil your videos Rock!
Tony-Winnipeg
great video 👍
they want you having monthly uncovered debts so you can't quit
Love it, well said
Phil did your house get damaged in Florida?
Some of my properties had minor damages but nothing major. Thanks for asking.
That was absolutely fucking the truth!! Pardon my French!! I see people in this trap at work all the time!! I am doing well financially and don't need many hours but so many others are trapped slaves, they are stuck and going no where paying insane amounts of $$ on their car loans and have terrible credit.
Thank you Phil, you da man!
Phil I just start studying real state I would like to know how it go to be orders follow your videos like 1 and 2 ,3
thank you so much
Take this free course courses.freedommentor.com
+Phil Pustejovsky thank you so much for your help
You are so correct.
I live in Columbus oh, i want to buy a house outright in cash, I've been seeing houses go up in the last couple of years, should I buy a house now or wait it out.
+Dadir Sues Wait what out?
Wait it out till the fall, I heard that's when prices will fall, but you never know
Phil Pustejovsky
I have a house with equity.... I can refinance cash out and take $300k or just a lower rate and pay down the mortgage. the $300k I can use to buy 2 more 3 family homes in NY. what do you suggest. my existing Morgan will increase to $5k per month.
Watch this video: th-cam.com/video/SyZuh9eh0JI/w-d-xo.html
WARNING! All job interviews are actually interrogations. Your undivided attention to this is paramount.
Ur the man coach
Thanks for the video. Are you Saul Goodman lol
Your gazes are so intense. Please calm them down and please don't zoom in your face. It might freak people.
Thanks for the video.
Good video
U pointed to boss word like u just want to punch a boss
That is so true!!
Thank you.
Shit just GOT REAL!!!
What about the big tv and furniture.
+TheFightaz Good point. I missed adding those to my little picture of living above ones means.
Thanks.
BMW = Bring My Wallet
awesome.
:):):) What that was ?
Good stuff video
Amen.
👍👍👍👍👍👍👍👍👍👍👍👍
K